 Alright, so and so. Welcome. Bank you're still hanging up with us right here on Why in the Morning. I love this segment and I know you love it too as well. But before we go too far, let's do each other a favor. Jump on to that hashtag why in the morning. Social media, why too far for each channel. Now to ombe it. Rukotu ma postpale question. Katika mi tanda o zetu za kijami. I tell you this is where my Swahili is tested and I love it. What a nidene gani in ume kopa na ume lipa. Tukupeta ima ama usha lipa. And by the way January is just approaching. It's around the corner. It's just like two, three weeks and then we are into 2023. So our conversation is going to be centered on loans. By the way, Fuliza is also here. Hehehe, Fahasla Fandre. It's already here and I know usha now will start to fight for hash. But anyways, you will tell me on the hashtag why in the morning. And I love the fact that I have two powerful gentlemen joining me live in studio. Keep the conversation on the hashtag why in the morning. Atbryansakwa101 or you can stream by the website on www.kbc.co.ke forward slash y254 for free. Availabongo TV, DSTV, SignetPang everywhere. Now joining me live in studio are two powerful gentlemen. One of them is a teacher and one of them is a media student. And thank you so much. Shukran sana. Welcome. Kwa kutiawa i254. Ya. Thank you, it's an honor to have you. And I love the fact that we have a teacher. So to give you a few mistakes, I'm not sure what you are going to do. I'm not too correct, ya. Hehehe, ya onya. Ya. But I love you to introduce yourself and basically just a little bit intro for what you do. Okay, thank you. I'm Klaxon Uchengokaj. Uh-huh. I'm a teacher by profession. Okay. At Santisana Kwa Kunikaribish. Welcome to why 254 TV. Thank you. Uh-huh. So I'm Devin. Devin Majale is my name. I'm actually a first year student at the University of Nairobi. Pasuwa in journalism and mass communication. Uh-huh. And I see you up, like, I see myself somewhere a few years to come. Okay. Because this my freedom, this what I want for me. Okay. And it's a place also to you, hosting me to this place right now. You're welcome. Welcome to the space. Welcome to the space. It's an amazing space. But I'm going to start off with you, Klaxon. Yes. I remember to have a great conversation before to kujonewa. We're going to say, we are already a full isa nation. At least by now, we're going to kwa deni to mahali. Na kulipa piya, it takes time though uta lipa. See if you're going to kwa deni na wulipa. But you're going to kwa deni size. Ya di Kenya inya wei, kwa deni a China. Naisisi niwa Kenya. Ya. Is it always automatic that at some point uta kwa deni, whether you like it or not? The answer may be yes and no. Circumstances may force someone to have go for alone. And it depends on what kind of loan do you want, what you want to do with it. And thereafter, you have to now plan yourself on how to repay it back. Right. Yes. So there is no one, okay. Everybody in our country at the moment, everybody is surviving on a loan. The country is on a loan. And therefore, loan has become part and parcel of our lives. Ya. Yes. Kus there's a friend of mine who is telling me, uta mawa deni na kulipa. Ha ha ha ha. Kwa you na Zombo will enjoy kutu miya. Taki ni the post you will enjoy the most is paying it. Why is it so hard bada kulipa deni bro? Kwa omba ni Raisi, kuda oli yo start to 5.4 hush ni Raisi, saan. Pa sosa kifika time ya kulipa do mahtanga, kutu miya niya Rusi. It depends on, you know, for example, maybe you've gone for a mortgage loan and you have gone for some other kind of loan, saan. And maybe there is a duration that you've been given to paying for example, let's say you've given, you've been given around 100,000 and then you want to be paid back for a period of around 14 days. They're like the Hasla fund. Like the Hasla fund. Which is a good thing bada. It's a good thing. It's a good thing. I have to send me Hasla ni back. Kwanza tunai pendasana. It's the most amazing thing that has happened in the 254. Yes. So sometimes you, you know, what normally come in, there is a how you had planned that you wanted to pay it and maybe from other sources and probably it didn't work out. So automatically you will have some headache though. You're getting it because maybe you were expecting some money other from other sources to remit the loan. You're getting it. So when you fail, that's when you'll know. Get the problem. It's matanga. Yes. And that's the problem. Let me hear your feedback on that one as well. Do you feel like kwaomba ni ya rusi lakini kulipanda matanga pwendo ya like ebongu saidi ya? Well, as Kenyans, I can say you can find yourself somewhere in such a situation where you took a loan. You had strategies on how you're going to pay it back. But again, things just don't happen the way you expect them to happen. And unfortunately you just can't pay it back. Though we can't pray that we find ourselves in such situations but it happens because of course maybe you want it to help you in a certain situation. Maybe you want to save yourself somewhere. Nobody can go for a loan when he knows he's comfortable like he can't satisfy himself. He has got enough resources for himself. Like before you opt for going for a loan, then it means there is something that's drugging you. There is a situation pushing you. And deep down in your heart you have to go for that because maybe at times that's the only solution. But on that note, we can say we're addicted before Kluxon comes in. We can also say we're addicted. We can say we're addicted to loans but we can't do anything. But anytime we need to go for a credit credit goes in and out and we can pay back the money. SEMSE KAMU YO ANIZE ASAIDI KAJE BAT DOE. Now, there are some who are addicted to money. We have such people in our society and this Kenya. So if you even buy mobile loan apps Ikem kuji atu yaw notification already, he goes for it, even if there is no need for that and well I can say you just package yourself and you don't have to go it when you don't need it because you are adding a burden on your life because this is something that we'll have to solve before you move to the next step. Usyende alone kama una joe zili pa because at some point But I'm co-helpless, pili hoduma se mo co-helpless bro. Well, of course I'm co-helpless. Unless a miracle happens apokatikati. There were some statistics which were given and almost around 400 million people were on the CRP. And why? Because they were not able to pay their loans or their debts. So 4 million people were being listed by the credit bureau. So which means there is a problem. So why are these 4 million people being listed in the CRP? It means they took a loan but they were not able to pay it back. Either at the right time or they over-delay. So all these things shows that there is a problem somewhere. And the only best way is you go for a loan which you are able to afford to pay back at the right time. For example, right now the asset fund has been given. You only pay for 14 days. For example, let's say you have been given around 2,000 for instantly. And you have fall to pay within 14 days. So there will be a consequence or repercussions. So that's why we are saying when you are going for a loan, know that what is the intention of the purpose over the loan. And have you also put in place the measures that you are going to do in order for you to pay the loan so that you are not going to be listed in the CRP? Kama kwa auctioned. Yes, yes, yes. We have people. If you look at nowadays in our daily magazines and newspapers, several pages, people being auctioned, auctioned, auctioned. Why? Because they have defaulted. Companies mostly. Yes. So that shows that there is something which is not. So people have been, we say people, in terms of economical gains, there is a problem. Because people are now surviving. People are not able to pay rent. If you are not able to pay rent, you are not able to have a decent meal, you are not able to have a decent clothing, then paying that will be fourth option. You are getting it. Because you are looking for the necessities. Yes, yes, yes. So this is someone who took a loan, probably had a business and the business collapsed during the COVID-19 and then he is supposed to pay the loan back. So you will not be able to pay. So I think there is just something that needs to be done. And in that case maybe. What do you feel should be done? What should be done? For example, if you took a loan with the bank, you just go to the bank and restructure. Because the bank now has a conversation. Yes, you can have a candid conversation with them and restructure the loans, give them on how you want the loan to be paid and give them the reasons which has caused you today to default. You feel like you are going now? Yes. So you will be hard because you know. As compared to dodging the phone calls. Yes, yes. So that is the best thing. So if you took a loan from a bank, go to the bank and explain yourself to them that I took 100,000 but I was supposed to pay it and I am able to pay it currently because of 1, 2, 3, 4. But I will intend so that my period to be prolonged. Are you getting it? Yes. You are a teacher for that matter. Yes. I think you are going to enjoy your experience. Because it has happened, you mentioned the COVID-19 pandemic. Mtu alu kwa maali kazi. Yes. But you get paid in a lipa loan. Of course. And then you have a borrote. Yes. But they stay on ground. Umefutua job na haona namna na wakatuli transition kupataka zingine uluko usha defaultu kukulipo usha kweka. Na atu kiyanzaku lipa, how to lipa imalizike. You will still have it. And still they will consider you as a default. Yes. What is your scenario as a survivor? No. It is as Kogmayang. And what I can advise the person one, let the person have a critical thinking on how to pay the debts. Because one, if the moment you took the loan, you have to pay it back. If you took any money from a colleague or a friend, you have to. You just need to go and tell, oh, my brother, I was supposed to give you money. But because of one, two, three things, I'm unable. So please kindly give me some few days. Yeah. It was a party within a few days. Yes, yes. A few days or a few months. It's a video on but you know when you come and then you could give a lipa sasa. Which is a double debt now. So you have a matter of how you see the balancing. So that you know, I borrow from you today. Even I'll still be needing you in a few months to come. So if I don't pay this, it means that I won't come to you for the next time. Probably the next time I'll be much in need more than the first one. Than you're even right now. Yes. So it's a matter of just talking, creating a good rapport with the person. With your debtors. With their debtors. Right. And you will be hard. Yes. You will be hard. You will be hard. Yes. You will be hard. Yes. I love to hear your sentiments on that one here bro. Like in your situation. Yeah. So allow me bring up this. Lone has got two implications. Ineza kufungua ama ikufunga. So take a situation of somebody like right now there is a girl trending. Her name is Stacy. She has actually made use of this hustler fund. So after doing her grade six there is he has opted to go for that 600 shillings from Muscle fund and she is helping herself. Like Ashans is a small key business. Small key business. And you can see it can help her. It comes idea to keep time and also to introduce her to this normal world now. Because she is also growing here. And she will have to do it for her life. Yes. So but somebody mone amechukua alone. Maybe without intentions amechukua to ya kujibamba. He has got no plans of how he is going to repay it back. Ita fika maali imfunga. You have to agree with me that there is no freedom. A single freedom for somebody who depends on debts. Because these are burden to you. You want to move to the next step but you just can't. Because it's pushing you back. You want to do the next step. You have got some projects to go for. But you can't do it because you have to pay this. This one is calling. Hey bro, I want my money. I gave you some money a few months before you've not paid me back. What's up? And you know maybe in mepata 500. Nana kumbuka I have your debt. Maybe I will go for. Let me settle this before ni kujimu lipe. Then before you go for it, usha kujikuni dai. You know it's my obligation to pay you back because you gave it to me honestly and genuinely. You wanted me to pay it back. You counted on me before you gave it to me. Lekini ni kiku angushani. If I don't pay it back then it means I failed my obligations as a person. I'm actually a betrayer. So ni me fail personally. And no one of us could wish to get himself or herself in such a situation. So the best thing is just repay if you want to go for alone. Maybe let there be that something that actually needs to be settled. I guarantee. I love the fact that banks, most of them one ataka, Velo Mesema Studio Kukufunga, they will take your employer's card or employer's number and for them to give you that amount you had mentioned like even 500, 300. Lazemu toku mepana very key details which they call it like a guarantor or a guarantee for them to grant you that loan. But kuna waluwatu enye like wakatu used kwa mba madeni ako na madeni zemarafiki, ako na zabank, ako na fuliza ataka wana hasla na ii nii vo dua divila kutayanda. How do you even live like that? No, no, no, like such circumstances you get, I normally see most of the use that I do interact with that. You get that they are entangled in all these loans and sometimes it blocks them or prevent them from moving forward because for example you had a loan somewhere and unfortunately you have got a job somewhere that you are being required to go and then you are being also required to go and get the clearance from the bureau. Ya, CRB. So you are getting that. So you will not get the job because you have been listed in CRB. Ya, they need you to provide that. So as much as the youth, the bottom line here is as much as the youth goes for the loans they have to know at the back of their mind that one day these loans will come and block them. They will haunt you. Storia Helb. I remember those conversations where they said most people that are schooled via health are not getting their full salaries because it's just automatically being deducted. And now you have bills to take care of, you're even married, you're around 35 but you could do it because of health. Is it now blocking factor professionally as well? Ya, it is because one, even though the government I think through Babu I had a piece of legislation to prevent people from not to be given clearance funds. First of all you will get the job is when you will go for all these clearances. Yes, I don't know how far it has gone but previously the process was you want to get clearance funds is when you apply for the job or when you have been called for the interview you get clearance from the CRB, you get clearance from the... Police conduct as well. And all those. So you get yourself a path to get into the promised land somewhere but there is a blockage for you because of this agency. Why? Because of the loan that you took sometimes back. So that's why I'm saying it is upon an individual to see how to manage. I'm not saying loans are bad, they're good when utilized well and you overcome them. But it will be bad when you didn't utilize it well, you didn't repay it but there is somewhere that you need to go but you cannot access because over the debts that you had. And not constitutionally you are a teacher I understand. Only survivor your worst debt because everybody has that worst debt. How did you survive yours? There is a debt that I guarantee of a friend of mine which he has not paid up today. On your own or money? No, no, no. I was a guarantor for him in a bank. And I had to pay $47,000 or $46,000. Good Lord. That's a big amount of money right there. Yes, so I had money I used my account as a guarantor, a salary account so I paid for him $47,000 Up to now he has not yet refunded, no problem. Umem samia? I wonder if you have bribed me to say do you of course you need to find a place where you can see there was some kind of back and forth Do you also keep him in mind? Yes. If you feel like paying back no problem. Must be a nice person. We should have 10 people in every county to help. Badulim say at least IDK in shorts. Because a few people like I know somebody with such a big debt what I direct none That's such a big amount of money. Yes, I have I have debt sometimes things may not get well then you simply call a colleague and tell him so and so can you give me something I will pay back It has become a pattern of human being currently with this generation the current economic the current economic you can't survive without a loan Yes, most of those people who are in the government civil servants knows what I'm talking about you can't survive if you want to have development you have to go for the loan when you go for them you go and take you do this probably think of another thing which will generate so people go for a loan so those people who have done great things probably have done it because of loans I know of a few colleagues of mine who are teachers have done good things with the loans Yes, yes and also I will for example if you go for a big loan you do something great even if you are now paying it back you are seeing the work of the loan that you have after there is even one businessman every big business is surviving on a loan at least they are doing it's called debt servicing even the business people they do survive on a loan so I'm not saying loan is bad loan is good and use it well I love that Tuta get back to you with the story in advance because tell us the experience from your experience do you think to block already as Ali mentioned there are jobs that need to be produced your certificate of CRB good conduct if you want to know your history if you want to have a company if you want to go to someone in advance you can say it's already 28 and this is something you have to know because in our ground back then in the ground in campus for this instance some of us are going for help loan when they know they can pay fees so they are going for it for parting let that money just come just bring money once apana fees is there like your parent can afford and maybe he has paid already but maybe he can cut us off don't go for help we can handle ourselves we don't have to go for it but as a youth when I say I want to help it's an idea it's a big issue that's the point where most of the youth normally miss the point for example I am a parent I've taken my student my daughter or son to a college and to me I didn't want my son to have or to go for the help and he has applied which means if he goes for the help then automatically this is the money that will be paid back and it's him who will pay it is him so imagine you being sponsored fully and you are going for a loan just only to party surely a critical thinking will go main mention I don't know because there is time for everything a time will come that you will not even like partying absolutely and the consequences will now come later when you will now start paying this help loan probably you will be having a family are you getting it you are now settled you have got no responsibility the kids are there and you are now paying money that you ought to have spent on the family is now going back yet to have the opportunity to go for it you are getting it and even though you went for it but you misused it by the way immediately when I finished high school there was a teacher who was teaching at them even though he was coming from a humble background so he went for the help loan so what he did with the help loan when he was still in the university he took the money and then he came at home and bailed a decent house for the family yet he was in campers so that's critical thinking so that way do we say that he misused the money use it right no no no stories will come up we will come up to him you are like I think stories are financial literacy in Akuja most of us are not taught how to handle money how to handle your small salary that you get even your first from a young age so there must be what you call financial discipline exactly the problem with the youth when they receive their money what they think is of the luxurious things right the parents never gave them because if you are thinking of luxurious things it means you don't come from a place of luxury now so you have that deficit when you naji ambilese kuntapata 20k lazimanta enda iina because how to pay on amza the money that you have earned through hard work you will spend it carefully but the money that you have been given the help you simply go and party now people took fuliza the hasla part someone took then he said you know I only went for beer yes was it a basic need sure look at that but surely if you are a hasla and you are buying a beer doesn't know so that's why you are saying there must be if you want to go for a loan you must be financially disciplined and independent so then the moment that you receive the money let the money not plan you but you have to plan for the money in advance for example if you go if you do go for this big loans you plan in advance that as soon as this money come in the very very many the money come in then you now channel the money into what you are intending to you getting that's when you will not misuse the money because if you do if you fail not to then probably you will end up missing you mentioned big loan how big is a loan before okay it depends it depends on what kind of either business that you want to do or what kind of something that you want to engage yourself in that's what will determine the kind of a big loan someone will go for a million and someone will say yes yes someone to go for next year so it depends on the kind of money that you want my old trigger the loan is the kind of business that you want to do that thing that you want to do the need for that money for example I normally advise people that taking loan and you go and build house and then you come and sleep go without food in that house there is no value for that money so rather you go for a loan I would rather go for a loan which will generate an income so that I use the income I use the income now to facilitate the building of the house the building of the house via businesses directly for example you take a loan you put the loan in something that is going to generate the income so the profit is the one that you are now using to build the house which is a creative and a brilliant thinking idea so generally go for a loan invest that loan in a generating income then use the saplers for building house or if you have to go for a loan to build house it means that you must also have another start buy source or backup that will sustain you in the entire duration that you are going to pay the loan you getting it let's say you have gone for a loan your salary is almost around 40,000 and they have taken almost around 30 you are remaining 10,000 so you won't be surviving so you will also go for another top up so you will be a slave so that's why I'm saying go for a loan put the loan in something that is generating an income or go for a loan and make sure that you have another start buy sustainability which is going to take you through that duration that you are going to pay the loan now pay to go on some level of maturity go kwanaki to come a stand buy because a university student kama huyu, hana stand buy in the stand buy you have to pay like for a mature person like you maybe you and his apply son because you are a family person you are a professional as well because I have my professional networks but students too so what we can tell the students more so when they are sitting in campaza if they have to go for a loan let them have a purpose for the loan and second if they have to mama zama party party party party I don't want to advise but I want to caution that party at the university it is part and parcel of the university life but go for a loan which is going to be useful for you why do you have to go for a loan so that to entertain friends mama kulewa people meet in campaza and then people will just go live one another there is no way you will go with one so why do you have to go for a loan only to have a party for friends in a day a good question a good question university students that question should be thinking in your head as you go please share that question and at times people are just ignorant and I am also speaking for the youth alone it is perceived to be something special when it starts from okoh okoh is also a special type of loan so people will get a loan and then misuse it in the name of you will not get a loan so you are not becoming creative so you are not becoming creative why did you even borrow it why did you go for it when it won't satisfy me if you can okoh to satisfy your calls so it means you've okoh because you wanted to make a call that's so important and maybe this call can change your life so it means for that 500 then this 500 should be able to enable you do something that's really going to change your life and if you can't handle this 500 in a very industrious way and make something good out of it then it means you are useless because you are just messing up your life this 500 is going to hound you after 2 weeks they are going to call you and maybe I don't know how they are going to do it but you'll have to pay it so the best solution is don't go for a loan when you really know you don't want it at this point I can handle myself I can satisfy myself for now and I don't want a loan and when you want it go for it because maybe it can save you you can invest you can become investors you invest in somewhere niki invest after a few days this one will have hatched something and then that something will help me solve this life is a cycle one thing depends on the other and this thing depends on how you handle the first thing the previous one so whatever comes your way make use of it don't just miss handle resources because you just wanted to party or maybe you wanted to impress friends I'm thinking of a standard 6 grade 6 that's how they call them nowadays to start up a smoky business so this girl must be creative she is not passing her time like within this period she is going to keep herself busy and also it's a plus on her side because parents are going to count on her they will be sure this girl after some few years she must be a productive person like she is going to be useful to our society and to our family and to everybody maybe in this country and we need such like people in this society so if you want to mess yourself right now you can go for a hellblown which you know after a few years I will have to clear it before I get maybe employed because maybe they will need that those documents and you have to prove that you've cleared before we give you this opportunity so you are going to miss on a job because you simply didn't finish up on the hellblown you didn't have to go for it in the first place so don't find yourself you just can't come out what you wanna say mati mati iyo haslafant mimi nitalipu anayasum salabani so you see that's a weird way of thinking that's already another backward way that's a weird way of thinking why do you want to go for it you know you want pay it you don't need it and I love to go back to your klaxon with the question do you think we don't have enough sensitization especially when I mentioned you are an old girl already you have a punch and you have a business and you have financial literacy in that you are aware I want you to be accountable I want you to pay a pocket money tell me how did you spend it did you spend it well what are some of the needs you satisfied do you feel like you took a background that kind of information now that's why we are all screwed up when it comes to even our expenditures how many people as well I think parents need to have that kind of conversation with their children because one if I give you you're my son or you're my daughter and I've taken it to school I give you a thousand for instance then you have to account for that money so the moment that you are very strict child then you are trying to instill inculcate that culture of being financial discipline that responsibility so this child will be I had a colleague of mine who had a daughter in one of these high school in western Kenya the child was given a thousand after 30 months he said that he only spent around 300 and then it turned 700 you're getting it so that shows that this child he knows that the parent is really struggling in order to get that money and therefore he has to spend it wisely so that the remaining 700 he took it back to the parent and said this is what I had this is what he had given me so that when I will be going for the second term I also go you have to top up or I go with that one it will be a bonus so in that concept what I learned is one the child is responsible even if he become an older person then he will be able to have that responsibility of financial discipline in his life let's talk about advanced advanced history I understand once again you are a teacher if you are in that situation you will be able to have a salary you will be able to help people and then maybe you can deny your advance have you ever been in such a situation for those people who are in you have been employed that is part and parcel of life sometimes you may go for salary in advance or advanced salary and then you simply go for it because there is that rule so long as it has it is past 15 yes you can go for it yes the law says past 15 you can be paid for salary of that man so I don't see it as a crime for salary in advance advanced salary so for you to do it there is a reason are you getting it but also we want also people to be financially disciplined so that we simply just wait for the man but that one does not prevent you you are allowed to because it is your right it is not a privilege you have to let me just twist it for you um um I don't know how much you are given I can't guess but maybe you will get it in a week but next week you will get it and you will know that you need to buy a unit or pop kitu so that also depends on how you first introduce yourself to your parents like how do they perceive you this guy is a fearful one and whenever he asks for money then it means he is in a situation that is very needy but in the first place come out you messed up somewhere does not have that your parents can't count on you they are sure maybe you wasted it so that means they better leave you suffer than give you anything because they know you are just reckless you are misusing funds I just gave you maybe 20k and you were done in 2 weeks so it means you can't even handle your family when you are grown up so as youth you have to start it from now first build your personality have your personal culture they say that an army an army without a culture is a diluted army which cannot fight an enemy so you have to create your personal culture so that people know you this one is very responsible he knows how to handle funds he knows how to use resources and we can count on him he can manage anything that's when everything will open up in your world your financial world so if you are ready to go for the loan go for it and you must have strategies now you are going to repay it back but if you don't want this money you have to pay it this is an obligation you just gave it to yourself you added another burden on your life you have to settle this before you move to the next step and it's not really a good thing so we don't have to get ourselves in such situations so in short for us to have a society which is of ethical that must be that discipline and it has to begin right from the smaller unit childhood train a child the bible says train a child in the way that you want and the child will not depart from it so if you have been trained to be disciplined even if you go to the campus at the back of your mind my mother says this is wrong so I have not to do it but at the back of your mind you know my mom, my father is against this so at the end of it we will have a society which is of ethical people are disciplined even if a society which cannot be compromised another thing also what makes people to go or to end up in a debt is lack of when the resources are not inadequate they are inadequate it also shows there is a deficit somewhere so this deficit if for example you are a student and your parents are well able to cater for your studies in the university why do you have to go for a debt there is no need so there should be no need so people go for a debt because of that deficiency getting it so the moment there is surplus resources I would rather say let no one go for a resource I mean for debt but go for debt if there is a need and make sure you put an elaborate plans on how you will pay the debts if you are budgeting when you have money we will mention your example don't let the money plan you plan for the money but when it comes to budgeting you can have 10 million maybe what you are planning to get is not beyond your 10 million how do you budget so that if you get a money punch it will just lie between 500 books that is now living within your means how do we even tell our kids that kula food is 20 boba we see in there KFC is 250 kwa punch we will show before we buy 500 kwa chicken we will spend 100 boba and then we will be satisfied as soon as we make the step 10 when we buy another 50 boba so also another thing we need also to have that culture of saving so if you are a student I think these are advice that I can give the students so long as you are in campus or even in high school and you are getting a surplus capital create a saving culture so the moment that you will be finishing you will end up having something to start yourself to start yourself with but if you are being given you are being funded at the same time you are also getting another surplus but you spend it on a party recklessly you will be just like that prodigal son who was given everything for those son was lucky but just see this he asked for and he was given and he went recklessly and then he came back to me when you come back after you have been given everything I will have to have some kind of discussion we will definitely get kicks I wish the prodigal son was a Kenyan so in short we are saying for the students when you are in campus in case you are getting a surplus create a saving culture I know we will see if she is beyond your means because if you are under pressure you are under pressure of my youngins my youngins are generation G generation Z you are under pressure you are under pressure your standard because you are under pressure you blindly go into it because you don't have even that information and if you are under pressure so that's why I'm saying as you said people are coming from different backgrounds so others are well off others are middle class others are high those people don't have so we are saying let people live within their means write your final remarks so I can also say that's what we are taking home today like live to your standards let not be a pressure influence you to do something that's really going to hound your future we'll have to settle this before you move to the next step so in the first place let's settle this let's not go for lunch we don't have to and maybe at some point back we'll have to pay them before we move to the next thing so in the first place don't go for something that it's going to be a burden to your life you can't move on without settling this and life will be simple everything will just open up we can actually do it I see you talking about the day when I was born I was born in Matanga we are out of time by the way if people can access you faster 2 seconds David you can actually get me I have a YouTube channel you are a YouTuber I am a YouTuber but there's not much content there so much is coming I am going to be there for you youths so just tune in mostly mostly I am going to be an encourager we move with youths in spirit actually help dogs we inspire youths and we move on to have a future generation thank you good luck we can't wait my brother you can follow me on Twitter there is a Klaxon Karan you can catch one there is my Twitter handle Facebook Klaxon Karan and you are a teacher by profession I love it country to have your back thank you for hosting us it's a pleasure you're welcome so on that note we are out guys we had asked you a question we will be sampling it and liking the comments and replying as the show continues see you tomorrow for entrepreneurship Tuesday have an amazing Monday God bless